Senedd debate calls for greater regulation for debt collectors

Published

3 years ago

December 18, 2023

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.

‘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*

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.

Man charged with attempted murder after A44 collision near Aberystwyth

Published

12 hours ago

July 3, 2026

Tom Sinclair

A 24-YEAR-OLD man has been charged following a single-vehicle collision on the A44 near Capel Bangor, Aberystwyth.

Dyfed-Powys Police said the incident happened on Tuesday, June 30.

Owen Rhys-Jones, of Dol-y-Bont, Aberystwyth, has been charged with attempted murder, dangerous driving, and controlling and coercive behaviour.

He has been remanded in custody and is due to appear before court.

Police are continuing to appeal for witnesses and are asking anyone who was in the Capel Bangor area at around 8.50pm on Tuesday, June 30, to come forward.

Officers are particularly keen to hear from anyone who witnessed a disturbance in or around Capel Bangor, or who may have phone, video or dashcam footage of the incident.

Anyone with information can contact Dyfed-Powys Police through the force’s dedicated online portal.

The force said: “We would like to thank the local community for their support while officers have carried out extensive enquiries, and to those who have supported our investigation so far.”

A40 closed near Llandeilo following collision

Published

12 hours ago

July 3, 2026

Tom Sinclair

A SECTION of the A40 in Carmarthenshire has been closed in both directions following a collision.

The road is currently shut between Llandeilo and Nantgaredig, with traffic queuing in the area and emergency services attending.

Drivers are being urged to avoid the route where possible, allow extra time for their journeys and follow the diversions in place.

The closure is affecting traffic on the A40 between Carmarthen and Llandeilo, including the area around Pentrefelin and the Castle Dryslwyn turn-off.

This is a developing incident and further updates will be provided as more information becomes available.

Award-winning Saundersfoot sauna faces refusal over location concerns

Published

12 hours ago

July 3, 2026

Bruce Sinclair - Local Democracy Reporter

PLANS to allow an award-winning outdoor sauna to remain permanently at Saundersfoot Harbour have been recommended for refusal by Pembrokeshire Coast National Park planners.

Hwyl Outdoor Sauna, run by Kerry Evans, was granted temporary two-year permission in June 2024 for a mobile wood-fired sauna at the harbour.

The business has since become a popular feature with residents, visitors and cold-water swimmers, and was named Sauna of the Year 2026/27 at the Wales Prestige Awards earlier this year.

***Saundersfoot’s cold-water swimmers are sauna regulars. (Image: Hwyl Outdoor Sauna)***

***Hwyl Outdoor Sauna (Image: Hwyl Outdoor Sauna)***

Ms Evans has now applied to make the siting permanent, but officers are recommending refusal when the application goes before the National Park Authority’s development management committee on Tuesday, July 15.

A supporting statement submitted with the application said the sauna had “become a popular and valued amenity for both residents and visitors, offering a space focused on health, wellbeing and community connection”.

It added: “The overall sentiment within the village has been strongly supportive, with many residents recognising the sauna as a valuable asset that enhances the amenities in Saundersfoot.

“Hwyl Outdoor Sauna has received positive attention in regional and national press, helping to promote Saundersfoot as a destination for coastal wellbeing and outdoor experiences.

“Media coverage has highlighted the sauna as an example of the increasing popularity of sea swimming and sauna culture around the UK coastline.”

Saundersfoot Community Council has raised no objection to the application, and most of the 19 letters submitted by members of the public support the proposal.

Supporters have described the sauna as “a major asset to the village,” “a wellness landmark for Saundersfoot,” and “a unique offering that attracts visitors to the beach and harbour”.

However, some objectors have said that while they support permanent consent in principle, they do not believe the sauna should remain in its current position because it “obstructs the view of the beach from the promenade”.

In their report to committee members, National Park officers say the proposal, in its current form and location, would harm the setting of the Saundersfoot Conservation Area.

The report states: “The application, in its current form and with the proposed location of the sauna, is considered to result in a landscape impact that harms the setting of the Saundersfoot Conservation Area.

“The sauna is also located in a position which reduces public access along the existing promenade route, which is considered to prevent appropriate access from being achieved.

“In addition, since the temporary permission was granted, planning advice has been updated and there is now a requirement for a Flood Consequences Assessment in this location. The lack of a suitable Flood Consequences Assessment results in insufficient information to support the current application.”

Officers also note that the latest application includes additional development, including a booking office which has already been installed, meaning the overall scale of the proposal is greater than the scheme approved on a temporary basis in 2024.

The report adds: “Following consideration of the implementation of the temporary permission and given the greater extent of the current proposal, it is considered that the visual impact of the sauna and related booking office has now increased and could be reduced by locating the sauna further back in the car park.

“This would also have the benefit of the sauna not requiring relocation during severe weather and increased flood risk.”

The application is recommended for refusal on the grounds of visual impact, impact on the conservation area, reduced public access along the promenade, and the absence of a suitable Flood Consequences Assessment.

Committee members will make the final decision at the July 15 meeting.