News
Senedd debate calls for greater regulation for debt collectors

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.

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.

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.
News
Anger at plans to turn Little Haven shed into holiday let

PLANS to convert a garden shed to a holiday let at a Pembrokeshire seaside village with the highest rates of second homes and holiday lets in the county have been turned down.
In an application before Pembrokeshire Coast National Park, Shabnam Banihashem of 19a Wesley Road, Little Haven sought permission to convert a rear garden shed, already replace with a summerhouse, to holiday let accommodation.
Local community council The Havens had objected to the scheme, saying it has concerns over parking and highway access arrangements, and concerns about impact on Highway traffic safety-related matters.
The park’s building conservation officer had recommended the plans be refused despite it being a “relatively hidden and constricted site” with a likely low impact on the conservation area, saying there “is likely to be an impact on character due to extra traffic – and the potential for setting a worrying development”.
An officer report recommending refusal said: “The Authority has concerns in connection with the proposal due to the impact upon the residential amenity of the host dwelling, and its immediate neighbours, the impact upon the character of the Little Haven Conservation Area due to the potential for additional traffic, and due to the proposed summerhouse being unsuitable in terms of size for the use of holiday letting.
“Ordinarily, when a proposal would result in the creation of a single residential unit, a financial contribution towards the provision of off-site affordable housing would be required [in accordance with policy].
“However, in this particular case, the unit being proposed would not be suitable for long term residential use due to the limited size of the unit. As such, had the proposal been deemed acceptable, the Authority would have imposed a condition restricting the use of the unit to C6 – short term holiday let.
“Given that it would not have then been possible for the unit to benefit from current permitted development rights between C3, C5 and C6 uses, a commuted sum would not have been sought.
“Overall, it is considered that the proposed development would have an unacceptable impact upon residential amenity, and upon the character of the Little Haven Conservation Area.”
The application was refused on grounds including “introducing a significantly greater level of noise and disturbance than the current situation, to the detriment of the residential amenity of neighbouring properties,” and impact on the conservation area.
A previous national park report, based on the second homes council tax premium payable to Pembrokeshire County Council, has said nearly two-thirds of properties in Little Haven are either second homes or holiday lets.
For the main centres of settlements within the national park, second home rates, at the time of the 2023 report, were: Tenby 28.07 per cent, Saundersfoot 29.35 per cent, St Davids 20.86 per cent and Newport 30.6 per cent.
For smaller communities within the national park, some of the figures were even higher: Amroth 47.37 per cent, Broad Haven 36.58 per cent, Dale 39.47 per cent, Lawrenny 28.57 per cent, Marloes 29.66 per cent, Moylegrove 22.64 per cent, and Wisemans Bridge 35.71 per cent.
Topping the list, by a large margin, were: Nolton Haven 60 per cent, and 62.96 per cent Little Haven.
Community
Stena Nordica sailings remain disrupted due to technical fault

Passengers diverted as Fishguard-Rosslare service still affected
FISHGUARD ferry services have faced another day of disruption, with early hopes of a return to normal sailings dashed again this morning (Tuesday, April 8).
The 1:30am sailing of the Stena Nordica was once again cancelled, marking several consecutive days without service on the Fishguard-Rosslare route. The vessel has not sailed since the early hours of Saturday (April 5).
Stena Line has blamed a combination of adverse weather and an ongoing technical issue for the disruption, which began when Saturday’s 2:00pm sailing was delayed and subsequently cancelled. This also resulted in the evening return crossing from Rosslare being called off.
Passengers affected by the cancellations were either transferred to the Holyhead-Dublin route or remained on board in the hope of a later departure.
Among those onboard on Saturday was George Holland, a regular ferry passenger, who had planned a day trip. He reported that the ferry was busy, with 96 vehicles and many families travelling at the start of the Easter holidays.
Despite expectations that Sunday services might resume, sailings remained suspended, and affected passengers were rerouted via Irish Ferries’ Pembroke Dock to Rosslare service.
Hopes were again raised for a resumption of service on Monday (April 7), but that afternoon’s 2:00pm sailing and the corresponding evening return crossing were also cancelled.
A spokesperson for Stena Line said: “Due to a technical issue with Stena Nordica, sailings on the Rosslare-Fishguard route were cancelled over the weekend and on Monday, April 7. Engineers are working onboard to resolve the issue, and it is currently anticipated that sailings will resume at 1:30am on Tuesday, April 8.”
However, the scheduled early morning crossing did not take place, with Stena’s website again citing a technical issue. Passengers were again transferred to Irish Ferries.
At the time of writing, today’s 2:00pm departure from Fishguard and the 7:30pm return from Rosslare remain on the schedule.
Crime
Driver claims he took legal CBD after testing positive for THC

A HEMP user has appeared in court after claiming a legally purchased CBD product caused him to test positive for an illegal drug.
Daren Bradbury, 54, from Seven Steps Road in Sageston, told police he had taken cannabidiol (CBD), a substance derived from the hemp plant and sold legally in the UK. However, blood tests revealed that he had 2.3 micrograms of Delta-9 tetrahydrocannabinol (THC) in his system — just over the legal limit of 2mcg.
THC is the psychoactive compound in cannabis that causes intoxication and remains a controlled substance under UK law.
“He received the CBD from the internet, believing it didn’t contain THC,” said Bradbury’s solicitor, Michael Kelleher, when the case was heard at Haverfordwest Magistrates’ Court this week.
“He handed the packet to the police and was surprised that the test came back positive — albeit only 0.3mcg over the limit.”
Bradbury was stopped by officers on December 4 while driving on the A477 at Milton. A roadside test proved positive, and subsequent analysis confirmed the presence of THC.
He pleaded guilty to the drug driving offence, but Mr Kelleher requested an adjournment to gather further evidence from the CBD supplier.
“We would like to raise a ‘special reasons’ argument as to why the defendant should not be disqualified from driving,” he said. “We hope to obtain proof from the vendor that the CBD should not have contained THC, as the defendant believed it was perfectly legal.”
Mr Kelleher added that CBD products can be legally purchased both online and in pharmacies.
Magistrates adjourned sentencing until May 1.
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