Business
MP Crabb welcomes changes to ensure free access to cash at ATMs in Pembrokeshire
STEPHEN CRABB, MP for Preseli Pembrokeshire has welcomed the UK Government’s decision to ensure a legal right of free cash for millions of people. The move will mean that all including the most vulnerable in society can continue to withdraw and deposit cash for free.
The amendment to the Financial Services and Markets Bill, which is making its way through Parliament, means that the financial services regulator will have the legal power to preserve access to cash – free to consumers at the point of withdrawal or deposit – for those who need it.
The Government Minister responsible for the Bill, Andrew Griffith MP, said that whilst speed, and convenience of digital payments opens a world of opportunity for people and businesses, the reality is that so many still depend upon access to cash, particularly the elderly or those who use cash to manage their finances. This is especially true in rural parts of the country, in places like Pembrokeshire.
Following the decision, MP Crabb commented: “Pembrokeshire operates under a strong cash economy, with many people relying on free withdrawals and deposits of cash on the high street. The ability to make deposits is particularly important to support small businesses own ability to take cash.”
“Back in 2020, I wrote to the Chancellor on the need to secure access to cash, and I am pleased to see that concrete action has now been taken. I know that this change will be important for the elderly and most vulnerable in Pembrokeshire who frequently use cash as their choice of payment.”
Mr Crabb’s comments to this newspaper come the UK government has agreed to legally mandate banks to provide customers with easily accessible free cash services on high streets. This decision comes amidst a surge in bank branch closures over the past year and a continual decline in the number of free-to-use cash machines.
The reduction in access to cash or banking facilities poses challenges for individuals who rely on physical currency, particularly the elderly, affecting their ability to conduct everyday tasks such as banking and shopping.
Baroness Ros Altmann, who was instrumental in driving this legislative change and received support from Life Peers across the political spectrum, lauded the development, saying, “It is great news and about time there was recognition of the role played by cash in many people’s lives.”
According to government data, over two million individuals aged 70 and above do not have internet access, preventing them from conducting online banking and rendering them reliant on physical bank services.
Over the past 15 months, major banks have closed nearly 900 branches, leaving around 5,000 remaining. Although the number of free-to-use ATMs only declined by four percent last year, over the past five years, more than 15,000 cash machines have vanished from high streets.
Consumer group Which? emphasised that without the amendment proposed by Baroness Altmann, the objective of safeguarding access to cash through the new legislation would have been undermined, as numerous free-to-use ATMs were being closed or replaced with fee-charging machines.
Rocio Concha, Director of Policy and Advocacy at Which?, emphasised the importance of free cash access for those on lower incomes, as some fee-charging ATMs impose fees of up to £2. She stated, “We have campaigned to ensure that laws protect free access to cash and are delighted the Government agrees that people should not have to pay fees to access their own money.”
John Howells, Chief Executive of cash machine network Link, welcomed the strengthened legislation, describing it as a significant step forward. Link has already intervened to protect 3,400 free-to-use cash machines from closure and, through a partnership with banks, recommended the establishment of over 100 banking hubs in communities where all branches have been shuttered. Cash Access UK, funded by the banks, is responsible for opening these hubs, and a few have already been established, including one in Troon, South Ayrshire.
Howells emphasised the need to protect access to cash, as approximately five million people still rely on physical currency despite its declining usage.
Tulip Siddiq, the Shadow City Minister, urged the government to go further and adopt Labour’s policy of safeguarding face-to-face banking services to ensure that no individual is left without essential services.
Business
Welfare facilities to care for rare breed of pigs built without permission approved
A CALL to allow a Pembrokeshire farm to keep welfare facilities to care for rare breed breeding Tamworth pigs has been given the go-ahead.
In an application to Pembrokeshire County Council, Sharron Nicolas, through agent Hayston Developments & Planning Ltd, sought a certificate of lawfulness permission for the creation of a welfare flat within a previously-approved agricultural building, plus a rear lean-to extension and the erection of two further sheds at Fairybank Fields Farm, Bethesda, near Clynderwen.
An application for a certificate of lawfulness allows an applicant to keep a development if they can provide proof of occupancy or use, without any enforcement taking place, over a prolonged period.
The previous agricultural building application was granted back in 2003.

A supporting statement accompanying the application said the two-level welfare unit in the 2003-granted shed “contains the necessary elements to allow overnight stays which are essential when the pigs are farrowing.”
It added: “Mr Allan and Mrs Sharron Nicholas have been owners of Fairybank Fields since 1998. Unfortunately, Mr Nicolas died in February 2025. Although managing the farm at Bethesda, they lived at Pleasant View, Cold Blow, Narberth meaning a round trip of some 12 miles per visit – a visit which was required on a daily basis because of the need to feed and generally care for their animals – which were and still are rare breed pigs together with a number of beef cattle.
“It is essential that the pigs require continuous care when farrowing or when there are other pressures on animal health. When such occasions occurred, it was the practice of Mr Nicholas to spend the night at the farm and to use the welfare provision.”
It said Mr Nicholas would have spent approximately three months’ worth of nights (circa 90 nights) staying over at Fairybank Fields – a period of some 12 years when the bedroom above had been created to late 2024 when his brother assisted Mrs Nicholas in caring for the pigs as Mr Nicholas was too ill.

It went on to say: “Whilst the principal activity at the Farm is the breeding of the rare breed, the Tamworth Pig of which there are only currently 290 breeding sows in the UK, Mr and Mrs Nicholas also have had beef cattle on their farm and Mrs Nicholas intends to re-start that element in 2026.”
An officer report recommending approval said a site visit had been undertaken finding no evidence of the unit being occupied as a separate residential dwelling, nor as a primary residence.
It said a range of evidence was submitted in support of the application, including a detailed timeline, aerial imagery and multiple witness statements “which consistently indicate that the rear extension to Building 1 was constructed circa 2008, Shed 2 was completed in September 2012 and Shed 3 was erected in 2015”.
It said historic aerial photographs and witness statements demonstrated “on the balance of probability, that the operational development was substantially completed well in excess of four years prior to the submission of the application and has not been subject to any material interruption,” considered to be lawful by virtue of immunity from enforcement action.
It was granted approval on that basis.
Business
Resubmitted chocolate factory plans after previous refusal
A FRESH call to allow the retrospective conversion of office space to a chocolate factory, a beauty salon and laundrette has been submitted after a previous refusal.
In an application refused by Pembrokeshire County Council in March, Mr M Williams, through agent Preseli Planning Ltd, sought retrospective permission for the subdivision of an office on land off Scotchwell Cottage, Cartlett, Haverfordwest into three units forming a chocolate manufacturing, a beauty salon, and a launderette, along with associated works.
A supporting statement, for the chocolate manufacturing by ‘Pembrokeshire Chocolate Company,’ as part of the scheme said: “The operation comprises of manufacturing of handmade bespoke flavoured chocolate bars.
“Historically there was an element of counter sales, but this has now ceased. The business sales comprise of online orders and the delivery of produce to local stockist. There are no counter sales from the premises.”
It said the beauty salon “offers treatments, nail services and hairdressing,” operating “on an appointment only basis, with the hairdresser element also offering a mobile service”.
It said the third unit of the building functions as a commercial laundrette and ironing services known as ‘West Coast Laundry,’ which “predominantly provides services to holiday cottages, hotels and care homes”.
The application was refused on the grounds it represents an unjustified out of centre use with regard to the salon and nail bar, “insufficient information has been provided to justify the loss of B1 employment floorspace,” and “the introduction of a hairdressing salon and nail bar, uses typically found within established shopping centres, into this out of centre location would undermine the strategic role, vitality, and viability of Haverfordwest town centre”.
Since then, a resubmitted application aimed at addressing the reasons for refusal has been lodged.
A supporting statement with that resubmitted application says it has “included additional evidence in terms of a sequential assessment, financial viability and client needs to justify the mixed-use unit having an out-of-town centre location, which is of a scale that would not undermine the vitality and viability of the town centre and has a saturation of similar services being offered”.
It adds: “The application has also provided additional evidence to justify the loss of 70 square metres of a B1 unit not being harmful to employment land provision in the settlement, where adequate alternative provision remains.”
It says the scheme “would represent a suitable re-use of the building, which would not undermine the vitality and viability of the town centre or result in harmful loss of employment land,” and would not “result in any significant harmful impacts upon neighbouring amenity or the character of the area”.
The latest application will be considered by county planners at a later date.
Business
Main Street Music to close retail shop as owner focuses on handmade guitars
A POPULAR Pembrokeshire music shop is changing the way it operates, with Main Street Music confirming it will no longer trade as a retail shop from September 1.
The business said there will be an immediate 15% sale on all stock, but stressed that Main Street Music is not disappearing completely.
The owner said the decision had been made “with a heavy heart”, adding that the shop’s closure as a retail outlet would be a loss for Pembrokeshire as the county’s last professional guitar dealership.
He said his long-term passion had always been making musical instruments, something he had done since his teenage years, later receiving scholarships and a fellowship for his studies.
After college, he was given the opportunity to buy the business at the age of 24.
He said: “I have had an amazing time running this shop, giving it everything I’ve got, met some wonderful people and sold some incredible guitars.”
Although the business itself remains successful, he said tighter retail margins, dealership pressures and rising costs had made it difficult to grow in a way that would allow him to employ others and spend more time in the workshop.
The shop will eventually reopen as an appointment-only workshop and showroom for handmade guitars and repairs.
Current repair work will continue on a case-by-case basis by appointment only.
Main Street Music thanked customers for their support over recent years, saying the owner was proud of where the shop had been taken.
Caption:
Main Street Music will close as a retail shop from September 1, but will continue as an appointment-only workshop and showroom for handmade guitars and repairs.
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