News
Credit union’s shock closure
THE CLOSURE of the Haven Credit Union on Tuesday March 3, is a severe blow to those who depended upon its services whether as investors or borrowers. A statement by Chair of the Board of Trustees, Ted Sangster, disclosed that the credit union has been seeking a partner with which to merge for the last twelve months. Those efforts to preserve the union in some form have, however, come to nothing. Savings with the credit union are protected and it is anticipated that savers will have their money returned to them, in full, in around a fortnight’s time. Mr Sangster’s told The Herald: “As our statement reads, we have taken this decision only after long and serious consideration of the alternatives. The rules on Credit Union reserves have recently changed. That was not a determining factor in our decision, but it was something we took on board.” Mr Sangster continued: “We explored the possibility for merging with another credit union, but we were unable to reach an agreement. The board therefore took a principled decision. We could have carried on for another three to six months and then had the regulator step in.
That would have created uncertainty for our members and it the board decided not to let that happen. The board decided that it was better to arrange matters so that our members could be dealt with in a fair and orderly way. It was a painful decision, but it was the right one.”
After extending his thanks to the statutory bodies which have assisted the credit union, Mr Sangster paid tribute to the union’s volunteers and staff: “The board wishes to thank all those staff and volunteers who have worked on behalf of the credit union to provide this much valued service to the people of Pembrokeshire over the past 22 years. Many people have been helped and supported by their unstinting work for which again, our heartfelt thanks.”
Paul Brindley the appointed administrator said: “It’s a real disappointment that Haven Credit Union should be forced to close as there is a very real and necessary demand for their services. Members can be assured that their savings are safe. They will be paid back in full within the next two weeks.”
A spokesperson from Pembrokeshire County Council said: “We are disappointed to learn of the closure of the Haven Credit Union (HCU) but respect the board’s decision to discontinue the business. HCU was a professionally-run organisation offering a valuable service to the local community.”
They continued: “The council has been pleased to be associated with HCU over the years and has offered support wherever possible. This has included facilitating payroll deductions for council employees who were customers of HCU.”
The spokesperson added: “Over the past several months, the council has been supporting HCU to mediate a merger with other credit unions but unfortunately this has not proved possible.”
What is a credit union?
Credit unions are member-owned financial cooperatives operated for the purpose of promoting thrift, providing credit and other financial services to their members.
Credit unions in the UK now offer a wide range of services to their members; including current accounts, payroll deductions, standing orders and insurance. The UK Government has endeavoured to encourage the expansion of credit unions’ operations in order to stop people relying on high-interest door-step loans and loan sharks. A few credit unions now offer services more akin to a mainstream bank (such as the provision of ATM cards).
In 2013 the Archbishop of Canterbury, Justin Welby, launched a Church of England plan to support credit unions, to combat the rise of UK payday lenders charging extremely high interest rates.
Despite the moves to encourage people to use credit unions, the number of credit unions has tumbled over the last ten years. In 2004 there were 565 credit unions in the UK. Following the closure of the Haven Credit Union, there are around 370.
There remain two credit unions operating in Pembrokeshire, The West Wales Credit Union, in Fishguard and the Save Easy Credit Union in High Street, Haverfordwest.
Crime
Farming company fined £19,000 for damaging protected wildlife site
A CARDIGAN farming company has been ordered to pay almost £20,000 after recklessly damaging a Site of Special Scientific Interest.
Jenkins Ty Hen Ltd, run by David Glyn Jenkins and William Lloyd Jenkins, of Ty Hen, Verwig, admitted damaging the Llwyn Ysgaw, Caeau Crug Bychan and Ty Gwyn SSSI through the unauthorised use of manure, slurry, fertilisers and lime.
The offences took place between June 21 and July 31, 2024.
The court heard that Natural Resources Wales had repeatedly warned the company about how the protected land should be managed.
Aled Watkins, prosecuting for NRW, said an agreement made in 2004 made clear that the landowners needed written consent before carrying out certain activities on the site, including the use of slurry, herbicides, pesticides, fertiliser or lime.
He said: “A significant amount of guidance, advice and warnings has been directed to the company over a substantial period of time, as there have been problems before.”
The court was told advice had been given in 2017, with further discussions in 2021. Further problems were identified in 2024, leading to advice letters and then a formal warning in June that year.
Mr Watkins said: “Even after the letters were sent, no consent request was made.
“The common sense conclusion was that, where the original agreement was clear and advice had been given years prior, this was a deliberate act by the landowners of spreading slurry on the SSSI.”
Jenkins Ty Hen Ltd pleaded guilty to intentionally or recklessly destroying or damaging flora on the protected site, contrary to the Wildlife and Countryside Act 1981.
The company also admitted permitting the use of manure, slurry, silage liquor, fertiliser or lime without written consent from NRW, knowing it was likely to damage rare flora and fauna as well as geological and physiographical features.
Defending, solicitor Harry Dickens said the company had not deliberately set out to damage the land.
“This is more akin to the business damaging the land rather than setting out within their practices to do that damage,” he said.
He added that various contractors were used at the farm and were not always aware of the regulations.
“The defendants did not go out intentionally to harm the flora and fauna,” he said.
“Yes, they had foresight of the warnings and the previous agreement, but this is more akin to wilful blindness rather than going out intending to damage the land. It was not a flagrant disregard.
“The defendants were not loutish in their usage of the land, they are not vandals, they have not been silent and neither have they stonewalled NRW.”
Mr Dickens said the farmers accepted the need to restore the land and were keen to work productively with the authorities.
District Judge Mark Layton said Jenkins Ty Hen Ltd had breached NRW requirements.
“They spread fertilisers, herbicides and slurry on the land which was a breach,” he said.
“This was clearly a deliberate act of culpability and a complete disregard after already being given advice and warnings.”
The court heard the company’s most recent financial turnover was just over £1.6m. It was described by the defence as a micro-business.
Jenkins Ty Hen Ltd was ordered to pay £19,940.66, made up of a £9,000 fine, £8,940.66 costs to NRW and a £2,000 surcharge.
A restoration order was also made requiring work to improve the quality of the damaged SSSI land.
News
Game of Thrones star urges voters to back anti-DARC parties
ACTOR Jerome Flynn has urged voters in Wales to back parties opposed to the proposed DARC radar scheme at Cawdor Barracks, saying the issue could be decided by the next Welsh Government.
The Pembrokeshire-based Game of Thrones star, also known for Soldier Soldier and Robson & Jerome, made the appeal in a video released by PARC Against DARC on Tuesday (May 5), just two days before polling day in the Senedd election.
Radar row enters election campaign
Flynn urged voters in Ceredigion Penfro and across Wales to support Plaid Cymru or the Green Party, saying both parties had pledged to oppose the project.
The Ministry of Defence has submitted a planning application to Pembrokeshire County Council for 27 radar antennas and associated infrastructure at Cawdor Barracks, near Brawdy.
The scheme forms part of the Deep Space Advanced Radar Capability programme, linked to the AUKUS defence partnership between the UK, US and Australia.
The MOD says DARC would help detect, identify and track objects in Earth orbit, supporting military and civilian satellite security.
Opponents claim the radar would industrialise part of the Pembrokeshire countryside, damage the setting of the national park, and increase the area’s military significance.
Flynn says project ‘not a done deal’
In the video, Flynn described the election as “probably the most crucial vote we’ve made in 25 years”.
He claimed the next Senedd could play a decisive role in the future of the project, saying: “I’m here to say, it’s not a done deal because Plaid Cymru and the Greens have both made party-led decisions to say no to Westminster.
“We’re not having such a thing on our beloved coast.”
Flynn also described St Davids as “the spiritual home of Wales” and criticised what he called “the most unspeakably abominable planning application” on the edge of the Pembrokeshire Coast National Park.
Campaign steps up pressure
PARC Against DARC said it welcomed Flynn’s intervention and said it had distributed 22,000 leaflets around Pembrokeshire in recent weeks.
The campaign group said First Minister Eluned Morgan’s recent comments on the scheme did not go far enough.
A spokesperson said: “While Eluned Morgan has come out in the final hour to call for DARC to be halted, we fear this does not go nearly far enough.
“Plaid Cymru and the Green Party have both made it their national party policy to oppose and stop DARC, so we have no doubt of the authenticity of their commitment.”
The group is also urging residents to submit objections to Pembrokeshire County Council before the current publicity period ends on May 20.
Welsh Government role
Campaigners say the next Welsh Government could intervene by “calling in” the planning application, meaning Welsh ministers would take responsibility for deciding it rather than leaving the final decision with Pembrokeshire County Council.
That possibility has made DARC a significant local election issue in Ceredigion Penfro, where Eluned Morgan is Labour’s lead candidate, Elin Jones leads the Plaid Cymru list, and Amy Nicholass heads the Green Party list.
Under the new Senedd voting system, voters will elect six Members of the Senedd for the constituency using a proportional list system.
PARC Against DARC said this meant there was “far less need for tactical voting” and argued that voters opposed to the radar could support either Plaid Cymru or the Greens.
Wider concerns
Campaigners have repeatedly claimed that the radar would make Pembrokeshire a potential military target and draw Wales further into US military strategy.
They also say the project raises environmental, health, democratic and security concerns.
Supporters of the scheme argue that space monitoring is becoming increasingly important as satellites are used for communications, navigation, defence and emergency infrastructure.
Flynn ended his video by saying: “Vote with your heart because we can make a difference here, we could put in a government that cares about our land, our people and our environment.”
Whatever the outcome of Thursday’s election, the intervention by one of Pembrokeshire’s best-known residents is likely to keep the DARC controversy high on the political agenda.
News
Landlords in Wales face new anti-discrimination laws
New rules from June 1 will make it unlawful to refuse renters because they have children or receive benefits
LANDLORDS in Wales are being warned to prepare for new anti-discrimination laws which come into force at the beginning of June.
From Monday, June 1, it will be unlawful for landlords and letting agents to discriminate against prospective contract-holders because they have children or receive benefits.
The change follows the Renters’ Rights Act 2025, which mainly reforms renting law in England, but also extends key anti-discrimination protections into Wales.
The Welsh provisions will be incorporated into the Renting Homes framework and will apply to occupation contracts. Unlike the civil penalty regime used in England, breaches in Wales may amount to a criminal offence, with enforcement handled by local authorities and cases dealt with through the courts.
What landlords cannot do
From June 1, landlords and agents must not deter people from applying for a property because they have children or receive benefits.
They must also not refuse or restrict access to viewings, prevent prospective tenants from receiving information about a property, or exclude them from entering into an occupation contract on those grounds.
The measures are aimed at ending blanket “no children” or “no benefits” policies, which campaigners have long argued unfairly shut families and low-income households out of the private rented sector.
Landlords will still be allowed to carry out affordability checks and assess whether a property is suitable. For example, a landlord may still decide that a particular room or property is physically unsuitable for children, but the decision must be based on the property itself rather than a blanket ban.
Paperwork deadline
Under the new rules, landlords will need to issue either a new occupation contract or a statement of variation to reflect the changes.
The statement can be served up to fourteen days after the rules take effect, meaning landlords should act by June 14.
Leading North Wales estate and lettings agent Cavendish, which has offices in Mold and Ruthin, says it has been advising landlords ahead of the deadline.
Nicola Blake, Operations Director at Cavendish, said: “While much of the focus in recent months has been on the introduction of the Renters’ Rights Act in England, some of the changes are also impacting Wales.
“As of June 1, landlords in Wales will be subject to stringent anti-discrimination laws and failure to adhere to the new legislation could result in a criminal prosecution.”
She added: “This is a significant change for landlords in Wales, and we are helping our clients to be ready well ahead of the deadline, completing the required paperwork and ensuring they are fully compliant.”
Landlord seminar
Cavendish will hold a seminar later this year for landlords in Wales, covering legislative changes and advice on managing and improving property portfolios.
The event will take place on Monday, October 26, at Theatr Clwyd. Cavendish recently became a Gold Member of the Mold arts venue.
Cavendish was established in 1993 by Julian Adams, the firm’s chairman, and his then business partner Robert Ikin.
The company now employs more than thirty people across estate agency and lettings, with offices in Mold, Ruthin and Chester. It says it helps more than 600 homeowners move each year and manages around 650 properties.
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December 26, 2025 at 8:55 pm
Such a well-structured and engaging article. Thank you!