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Pembroke Dock: Prince landlord narrowly escapes jail following benefits fraud

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Suspended sentence: Keith Francis

Suspended sentence: Keith
Francis

A “GREEDY and dishonest” Pembroke businessman fiddled more than £40,000 in benefits while banking over £2M pounds, a judge heard on Monday (Mar 30).

Keith Francis, aged 70, kept quiet about operating six bank accounts and owning pubs, a restaurant and apartments.

Francis, of Bush Rise, Bush Hill, admitted defrauding the Department for Work and Pensions out of pension credits worth £41,851.

Swansea Crown Court heard he had repaid just £2,431.

Merion Davies, prosecuting, said Francis applied for credits in 2004 but would not have been entitled to anything had he told the truth about his financial affairs. But he claimed to have no assets or investments, or any income.

Francis began to receive about £157 on top of his state pension.

But DWP officials found four bank accounts used by Francis and that £2.1m of income had passed through them while he continued to receive pension credits.

Francis had told the Department he had once been a publican, but had stopped in June, 2004, and would never return to the trade.

Officials then discovered he had a financial interest in The Moat House, Pembroke, which was being converted into 14 apartments, 11 of which had been sold.

He also bought the Molly Malone restaurant, Pembroke, in 2007, and also took over the Prince of Wales pub, Pembroke, and the Bush Tavern, Pembroke Dock.

“It begged the question,” said Mr Davies, “where all the money was coming from.”

Officials also discovered a mortgage application which stated that Francis made £50,431 a year and his wife Sylvia £50,250.

“That came as a complete surprise,” added Mr Davies.

prince of walesFrancis was interviewed by officials and still maintained he had no assets, income, pensions or savings, even though it was already known at that stage that he had been a director of six companies.

When told it could be proved he had banked £2.1m in four bank accounts alone between 2005 and 2012 “he just laughed.”

Mr Davies said to this day Francis had not provided the DWP with “a single document” and the department still awaited some sort of profit and loss account.

But, he stressed, it was not important whether Francis had been a successful businessman or not. He had been under a clear obligation to disclose income, irrespective of where it came from.

Francis’ barrister, James Hartson, said he was now £1m in debt. Most of the properties he owned were in negative equity and the courts had already issued a restraining order controlling £55,000 in assets.

That order, he said, would easily meet the £39,420 Francis still owed the DWP.

He described Francis as well thought of in the business community.

Judge Paul Thomas told rancis, “The case against you was overwhelming. There were several properties and businesses and it is inconceivable that you should be entitled to state benefits paid for by the rest of us.

“You are greedy and dishonest.”

Francis was jailed for nine months, but the sentence was suspended for 12 months because of his age, the state of his health, his lack of previous offending and his guilty pleas.

He was also ordered to carry out 100 hours of unpaid work for the community.

Mr Davies said the DWP would ask Francis to pay a minimum of £1,200 in costs at a future hearing.

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Pembrokeshire Lottery makes Superdraw winner’s Christmas extra special

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ONE lucky Pembrokeshire Lottery player has scooped a festive windfall after winning the £10,000 Christmas Superdraw held on Wednesday 3 December.

The winner, Mr Damon McGarvie, formerly of Milford Haven and now living in Llangwm, was selected with lucky number 41475. He plays through a salary-deduction scheme run by his employer, Pembrokeshire County Council.

Mr McGarvie’s name was announced live on Radio Pembrokeshire, after which the Pembrokeshire Lottery team made contact and presented him with his cheque later that day.

Speaking after the win, Mr McGarvie said he and his wife will be jetting off on a once-in-a-lifetime holiday over the festive period, thanks to the surprise Christmas windfall.

Pembrokeshire Lottery Manager Abigail Owens said:
“I am so pleased for Mr McGarvie. He has contributed to the Pembrokeshire Lottery for many years, and it is only by the continued support of our players that we are able to assist so many local businesses with interest-free funding from the loan fund.”

The regular weekly £2,000 draws continue in the run-up to the January Superdraw, which will offer a £4,000 prize.

To sign up or order Pembrokeshire Lottery gift subscriptions for Christmas, call 01646 690800.

Photo caption: Damon McGarvie with his winner’s cheque.

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Care home fees in Wales remain among the lowest – but families still face crippling bills

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WALES continues to offer some of the most affordable care home places in the UK, with residents paying hundreds of pounds less each week than in London or Scotland, new figures reveal.

The average weekly cost of a residential care home place in Wales stands at £1,156 – £392 cheaper than in London (£1,548) and £142 below the UK average of £1,298, according to data published by the country’s largest care home reviews website, carehome.co.uk.

Even when nursing care or specialist dementia support is required, Wales remains significantly cheaper than most of the UK. A week in a Welsh nursing home with dementia care costs £1,440 on average – £327 less than in London and £124 below the national figure.

The figures, based on self-funder fees collected on 9 September 2025, underline a stark north-south divide that has persisted for years.

London is by far the most expensive region, with basic residential care now averaging £1,548 a week. Scotland, where care workers benefit from a higher minimum wage settlement, comes a close second at £1,539. In contrast, the North East of England remains the cheapest area at just £1,112 a week for residential care – almost £200 below the UK average.

Sue Learner, editor of carehome.co.uk, said the regional variations were only part of the story.

“Wales is the third most affordable region for most types of care, which will come as a relief to many families here,” she said. “But even at £1,156 a week, the bills add up to almost £60,000 a year. For the 49 per cent of residents who pay for their own care, these costs are devastating.”

The financial pressure is compounded by differing rules on state help across the UK. In Wales, anyone with assets below £50,000 qualifies for local authority support – more than double England’s £23,250 threshold and well above Scotland’s £35,000 limit.

Ms Learner warned that rising staff wages and looming increases in employer National Insurance contributions would push fees higher everywhere.

“Local councils are already stretched to breaking point,” she said. “Without genuine reform of the social care system – something governments have been promising for decades – more and more families will have no choice but to sell the family home to fund care.”

The website, which carries 390,000 independently verified reviews, is urging people to plan early and seek expert advice. Its free Care Helpline (01488 501 499) is available to anyone looking for a home that offers both quality and value for money.

As the population ages and demand grows, campaigners say the latest figures are another reminder that the postcode lottery in care costs shows no sign of disappearing.

UK care home fees at a glance (average weekly self-funder rates)

  • London: £1,548
  • Scotland: £1,539
  • South East England: £1,446
  • Wales: £1,156
  • North East England: £1,112 (cheapest)
  • UK average: £1,298

Source: carehome.co.uk, 9 September 2025

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Folly Farm marks second birth of critically endangered rhino

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FOLLY FARM is celebrating the birth of another critically endangered eastern black rhino calf – and it’s a boy!

This is the second rhino calf to be born at the family-run zoo, and the second in Wales as part of a managed breeding programme through its membership with EAZA (the European Association of Zoos and Aquaria).

After a 15-month long pregnancy, mum Dakima gave birth to a healthy male calf on Thursday 27 November. With only an estimated 39 eastern black rhinos born in the UK in the past 25 years, it’s a significant achievement for the captive European Endangered Breeding Programme (EEP) for black rhinos.

Eastern black rhinos are classed as critically endangered due to poaching and loss of habitat. There is thought to be an estimated 1471 Eastern black rhino left in the wild and around 109 in zoos across Europe, including Folly Farm’s newest addition.

The calf made its appearance at 6.34am and within a couple of hours was standing up, following mum around the enclosure and had started suckling.

12-year-old eastern black rhino Dakima arrived at Folly Farm in May 2017 as part of a European breeding programme and met her mate, 14 year-old male Nkosi.

Mating rhinos can be unpredictable, but their relationship blossomed and Dakima gave birth to her first calf at the start of 2020. Male calf Glyndŵr was Dakima’s first born and the first rhino calf to have been born in Wales. Glyndŵr was named after Folly Farm’s Founding Director, the late Glyndŵr Williams, and has since moved onto another animal collection to continue the breeding programme for the species.

Eastern black rhinos are solitary animals and therefore usually reside in their own paddocks. But when the time was right, Dakima and Nkosi were reintroduced again for some carefully planned ‘date nights’ – and keepers predicted she fell pregnant sometime in August 2024. After having Dakima’s stool sample analysed at a specialist lab in Chester Zoo, who run the breeding programme for Eastern black rhino, it was confirmed that baby number two was on the way, with a due date of mid-November 2025.

Conservation Officer, Jack Gradidge, said: “It’s always heart-warming to welcome new arrivals as part of the European Breeding Programme through our membership with EAZA (The European Association of Zoos and Aquaria) – but it’s even more special when it’s such a significant animal and one who’s wild cousins are under threat.

“Dakima was a great mum with Glyn so it’s wonderful to see these instincts are still just as strong the second time around. She’s being very protective of her new baby, showing they have a strong bond already.

“This is such a monumental event for all the staff here and the zoo team have worked incredibly hard to create an environment where the rhinos felt comfortable enough to mate.

“Not only is this calf helping to increase numbers of a critically endangered species, he’s also the second rhino ever to be born in Wales – with his brother being the first!”

Along with other zoos across Europe, Folly Farm is part of a breeding programme to help increase the numbers of Eastern black rhino in captivity and, ultimately, the wild. They support a number of conservation projects alongside various animal charities – including their new partnership with ‘Helping Rhinos’, a UK based organisation who, amongst various other conservation initiatives, support a rhino orphanage in South Africa, caring for young calves who have become victims of the poaching crisis.

Simon Jones, the CEO of Helping Rhinos was delighted with the zoo’s happy news; “We are absolutely delighted to welcome news of this beautiful eastern black rhino calf at Folly Farm.

We are grateful for their support of Helping Rhinos’ efforts including the care of young calves orphaned by poaching.”

Most animals give birth at night under the cover of darkness – and Dakima gave birth early in the morning, just before the keepers arrived to start their day.

Jack explains: “Our rhino keeper opened up the rhino house and the first thing he saw was the security camera footage where a tiny newborn rhino was seen happily padding about the enclosure. After quietly taking a sneaky peak at the beautiful new calf to confirm what he had seen – he let the team know the happy news that baby had arrived!

“We then left Dakima alone with her new bundle of joy, giving them both some space to bond – but continued to monitor them on the cameras and did regular spot checks to ensure baby was starting to feed.

“For us, the next steps are just to keep an eye on Dakima and make sure the calf stays healthy and gets everything he needs from mum. Our goal is always to let nature take its course and interfere as little as possible.

“Nkosi will be a bit of an absent father, but that’s perfectly normal as male rhinos don’t have anything to do with their offspring in the wild. It’s unlikely we’ll introduce him to the calf for some time.

“In the wild, rhino calves can stay with their mums for up to four years, after that there’s a possibility this new addition could one day be released into the wild to help boost population numbers – or move to another zoo to continue the breeding programme in Europe just like his brother.

“It’s exciting to be playing our part in helping to safeguard these amazing animals for future generations.”

Folly Farm’s rhino keepers will monitor mum and baby closely over the coming weeks and they will be back out in the enclosure in due course.

Visitors shouldn’t expect to see the calf for a while but Folly Farm will be posting updates on their social media channels.

Folly Farm’s Kifaru Reserve welcomed rhinos to the park ten years ago almost to the day! It is a £500,000 purpose-built exhibit which tells the story of the role of modern zoos in conservation and highlights Folly Farm’s hands-on commitment to conservation through the projects it supports in the wild and closer to home.

For further information please visit https://www.folly-farm.co.uk/.

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