From the frontlines of Cardiff’s police force to tracking down octogenarian loan sharks
Instead of spending his retirement relaxing, or taking up a niche hobby, Nigel currently spends part of his day tracking down pensioners.
The former police officer was just 49 when he retired. Feeling like he was “too young to do nothing”, he went to work as a loan shark investigator.
But he could never have imagined his new job would include hunting down illegal money lenders in their eighties.
He is a member of Stop Loan Sharks Wales (SLSW), a small unit that targets illicit money lenders.
And while most loan sharks are dogged in their harassment and intimidation of anyone who owes them money, not everyone fits the ‘Phil Mitchell’ stereotype.
In one recent case, an elderly woman in her 80s, was given a police caution after she was found to be making illegal loans.
She had used her son – who was in his 40s and had previously been to prison – to help threaten people into paying up.
“But because of her age and the amount involved, she was only issued a caution,” says Ryan, a client liaison officer with the unit. The money involved totalled several thousand pounds.
“As far as we could prove she was only lending to one individual,” Ryan adds, calling it “vicious, opportunistic targeting”.
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Loan sharks subject victims to ‘hideous’ things
Another woman in her 80s, currently under investigation by the unit, began making personal loans but quickly became threatening when people couldn’t pay her back.
“She was scaring [victims] with ‘I know where you are, I know where you live’,” Nigel says.
Her case is ongoing and has not yet reached the courts, so few details can be given by SLSW.
‘A tsunami is coming’
Loan sharks, of all ages, are nothing new but there are fears they are profiteering from the misery brought about by the ongoing economic crisis.
But a backlog at the courts, worsened by the COVID-19 pandemic, and a time lag with investigations means the full effects of the cost of living crisis have yet to be seen.
“There might be a bit of a tsunami coming,” Nigel warns.
Ryan says it is “fairly uncommon” to see illegal lenders in their eighties. “Most people are of working age, but it is about a 50-50 split between male and female,” he adds.
Sky News has previously witnessed the arrest of Illegal money lenders
Who are loan sharks?
Often they hide in plain sight and are well-known in their local communities.
Nigel and Ryan have spoken to Sky News on condition of anonymity, in part because of the threats the team faces doing their job.
They never work in the same area where they live but after one of his colleagues was accidentally spotted by a loan shark, their car was smashed and protection had to be put in place.
New research commissioned by their unit alongside the Welsh government, confirms fears that current financial hardships could drive more people in Wales to borrow from illegal money lenders.
Some 38% say they are more likely to need to borrow money or credit this year to cover everyday costs, and 50% of those borrowing are doing so to fund everyday living expenses – from food and bills to school uniforms.
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Established 15 years ago, SLSW is a government-funded agency that works alongside – but is entirely separate from – the police, local authorities, charities, and other agencies.
Most of the unit’s employees are former police officers.
‘Grooming’ their victims
Illegal money lenders, Nigel says, often build up a friendly rapport and lure people in by letting them off the first repayment.
But then, says Nigel, it often gets to the stage where they can’t pay it back.
The relationship is “pretty much grooming”, adds Ryan, who works closely with victims in his role, drawing comparisons to drug dealers or domestic abuse: “People are always stepping on eggshells, they get trained to act in a certain way.”
He says: “You also find people pay different amounts. If you’re not easy to intimidate they’ll still lend to you, just on more favourable terms.
“But the more vulnerable you are, the worse the penalties.”
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‘I was suicidal’: Loan sharks pose as friends to trap victims in cost of living crisis
Individual investigations into the illicit world of illegal money lending can take anywhere from a month to several years.
“We might not even have a victim in the first instance, we might only have the intelligence,” Nigel says.
The Wales unit has 11 live cases currently, with the oldest going back to February 2020. In some years, they might close as many as eight investigations.
And these loan sharks aren’t hidden in the depths of the dark web – these are people well-known in their local communities.
Living off £5 a week
In one case, a loan shark in North Wales would pick up his victims up just before midnight and drive them to a cash point just as their benefits were deposited in their account.
They would take the money, giving their victim mere pocket money to live off – in one case, as little as £5 a week – and keep the rest of the money, including the bank card.
In another, a cooker, fridge, and microwave were taken from a victim’s house when they fell behind with payments.
The maximum sentence
The maximum prison sentence for a loan shark, if successfully convicted, is two years. According to Nigel, investigators will often look to increase that by adding associated crimes to the charge sheet such as actual bodily harm, and sexual assaults.
The highest sentence that Nigel’s unit has achieved is three-and-a-half years, which was handed down to Robert Sparey, 60, of Caerphilly, in 2017. Sparey, who had not worked since 1990, targeted vulnerable people for more than 20 years and used a disabled family member as a “front” for his operation.
He threatened to burn a woman’s house down with her children inside if she did not pay, and told another he would find “heavy-handed” people to enforce the debts.
Similarly, the unit was active in the prosecution of Chris Harvey, a father of 21 children, for three years and four months in 2015. Harvey, who was also from Caerphilly, charged his own family up to 400,000% interest on illegal loans.
Loan sharks prey on vulnerable people in deprived areas of towns like Caerphilly in South Wales
£40k in unexplained cash
Among the unit’s more recent successes include the arrest of Clayton Rumbelow from Llanelli who was jailed for 10 months for illegal money lending in October 2022.
Despite being on benefits and with no other legitimate source of income, Rumbelow spent tens of thousands of pounds on holidays over two years. He bought expensive cars and even decorated his house with intimidating animal statues.
“When I went through his bank accounts, I found £40,000 worth of unexplained cash deposits,” says Nigel.
Clayton Rumbelow was given a jail sentence in October. Pic: SLSW
Some people don’t realise they are being exploited or even feel grateful to the lender for helping them out.
One victim told Nigel: “I don’t know what I would have done without him. I couldn’t get money from anywhere else and I couldn’t feed my kids”.
Rumbelow decorated his house with expensive and intimidating animal statues. Pic: SLSW
People are also often led to believe that their loan shark debts are lawfully enforceable. In Porthcawl, a doorman moonlighting as a loan shark wrote up contracts for his clients.
“When you actually looked at the contracts themselves, it looked like they came from somewhere legally enforceable,” says Nigel.
“People signed these contracts to buy groceries and believed he was a lawful money lender. But he wasn’t, and these people were desperate and would agree to anything.”
Changes to how death certificates are issued in England and Wales have made the grieving process more “stressful”, according to bereaved families.
Anne Short died on New Year’s Eve, only a few months after she was diagnosed with cancer.
Her son Elliot, 30, from Newport, South Wales, says the grieving process was made harder after having to wait eight weeks to hold her funeral.
“Quite frankly, it’s ridiculous, when you’re already going through all this pain and suffering as a family,” he told Sky News.
“You can’t move on, you can’t do anything, you can’t arrange anything, you can’t feel that they’re at peace, you can’t put yourself at peace, because of a process that’s been put in that nobody seems to know anything about at the moment.”
That process has been introduced by the government to address “concerns” about how causes of death were previously scrutinised, following high-profile criminal cases such as those of Harold Shipman and Lucy Letby.
Up until last September, causes of death could be signed off by a GP, but now they have to be independently scrutinised by a medical examiner, before a death certificate can be issued.
Anne Short
‘I felt helpless’
Mr Short said he was ringing “twice a day” for a progress update, but that it was “going through too many sets of hands”.
Until the death certificate was issued, Ms Short’s body could not be released into the care of the funeral director.
“The main stress for me was knowing that she was up there [at the hospital] and I couldn’t move her, so I felt helpless, powerless,” he said.
“I felt like I’d let her down in a lot of ways. I know now, looking back, that there’s nothing that we could have done, but at the time it was adding a lot of stress. I just wanted her out of there.”
Elliot Short had to wait eight weeks to hold his mother’s funeral
‘Something has to be done’
Mr Short fears there’s a risk the new process might defeat its purpose.
“There’s other people that I know that have lost since, where it’s been in a care home or something like that, where they haven’t been happy with the care they’ve had, but they haven’t raised that because you’re in this bubble of grief and you just want to get it done,” he said.
“Something has to be done about that because I think it just drags on the grief and there’s obviously a danger then of it being against the reasons why they’re trying to do it.”
Arrangements after the death of his father less than two years ago was a “much easier process”, according to Mr Short.
“I lost my father as well 15 months before, so we went through the process prior to this coming in and we had the death certificate, he died at home, but we had it within three days,” he added.
Elliot Short
‘State of limbo’
James Tovey is the sixth generation of his family running Tovey Bros, a funeral director in Newport.
He told Sky News that the delays were having a “huge impact” on the business and that the families they serve were being “left in a state of limbo” for weeks after their bereavement.
“I would say that most funerals will take place perhaps two to four weeks after the person’s passed away, whereas now it’s much more like four to six weeks, so it is quite a significant difference,” he said.
“It’s one thing on top of an already distressing time for them and we’re frustrated and upset for [the families] as much as anybody else and it’s just annoying that we can’t do anything about it.”
James Tovey
Mr Tovey said that the reform was “very useful” and he remained supportive of it.
“It’s just the delays. I’m sure they can do something about that over time, but it’s just waiting for that to happen, and I wish that could be addressed sooner rather than later,” he added.
“It does put pressure on other people, it’s not just ourselves, it’s pressure on the hospitals, on crematoria, on the registrar service and everyone else involved in our profession.
“But of course all of us we’re there to serve the families, and we’re just upset for them and wish we could do more to help.”
The organisation representing funeral directors has called for “urgent action”
The National Association of Funeral Directors said some areas of England and Wales are experiencing much shorter delays than others, but has called for “urgent action”.
Rachel Bradburne, its director of external affairs, said the system was “introduced for all the right reasons” but that it was “not working as well as we need it to”.
“Funeral directors are relaying stories of delays, frustration, and bottlenecks on a daily basis, and urgent action is required to review and recalibrate the new system,” she added.
‘Unintended consequences’
Dr Roger Greene is the deputy chief executive of bereavement charity AtALoss.
He told Sky News that the delays were “one of the unintended consequences of what’s a well-intended reform of a system”.
“What has actually happened is that the number of deaths now requiring independent scrutiny has trebled,” he said.
“So in England and Wales in 2023, the last full year of data, there were nearly 200,000 deaths reported to a coroner, whereas there were 600,000 deaths.
“Now, what is the change in the process is that all deaths now need to be reported for independent scrutiny.”
Dr Roger Greene
Dr Greene said there may be ways the system could be “tweaked a little bit”, such as giving medical examiners the ability to issue an interim death certificate.
“We believe that people can process grief well if they’re given the opportunity and they’ve got a proper understanding,” he added.
“But the systems that we have in the country need to be able to work as well with that diversity of faith and culture.”
‘Vital improvements’
Jason Shannon, lead medical examiner for Wales, told Sky News he recognised “the importance of a seamless, accurate and timely death certification process”.
“Medical examiners are one part of the wider death certification process and were introduced to give additional independent safeguards as well as to give bereaved people a voice, which they hadn’t had before,” he added.
“Medical examiners have no role in determining where the body of a family’s relative is cared for and except in a minority of deaths where a coroner needs to be involved, that decision should be one that a family is fully empowered to make in a way that is best for them.”
A Welsh government spokesperson said they “would like to apologise to any families who have experienced delays in receiving death certificates”.
The government said it was working with the lead medical examiner and the NHS in Wales “to understand where the delays are” and how to provide bereaved families with “additional support”.
Read more from Sky News:
Families feel impact of spiralling funeral costs
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A spokesperson for the Department of Health and Social Care said it recognised there were “some regional variations in how long it takes to register a death”.
They added that the changes to the death certification process “support vital improvements to patient safety and aim to provide comfort and clarity to the bereaved”.
Social media influencers are fuelling a rise in misogyny and sexism in the UK’s classrooms, according to teachers.
More than 5,800 teachers were polled as part of the survey by the NASUWT teaching union, and nearly three in five (59%) of teachers said they believe social media use has contributed to a deterioration in pupils’ behaviour.
The findings have been published during the union’s annual conference, which is taking place in Liverpool this weekend.
One motion that is set to be debated at the conference calls on the union’s executive to work with teachers “to assess the risk that far-right and populist movements pose to young people”.
Andrew Tate was referenced by a number of teachers who took part in the survey, who said he had negative influence on male pupils.
One teacher said she’d had 10-year-old boys “refuse to speak to [her]…because [she is] a woman”.
Another teacher said “the Andrew Tate phenomena had a huge impact on how [pupils at an all-boys school] interacted with females and males they did not see as ‘masculine'”.
While another respondent to the survey said their school had experienced some incidents of “derogatory language towards female staff…as a direct result of Andrew Tate videos”.
Last month, Prime Minister Sir Keir Starmer hosted a discussion in Downing Street on how to prevent young boys from being dragged into a “whirlpool of hatred and misogyny”.
The talks were with the creators of Netflix drama Adolescence, which explored so-called incel culture.
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‘An urgent need for action’
Patrick Roach, the union’s general secretary, said “misogyny, racism and other forms of prejudice and hatred…are not a recent phenomenon”.
He said teachers “cannot be left alone to deal with these problems” and that a “multi-agency response” was needed.
“There is an urgent need for concerted action involving schools, colleges and other agencies to safeguard all children and young people from the dangerous influence of far-right populists and extremists,” Mr Roach added.
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A spokesperson for the Department for Education (DfE) said: “Education can be the antidote to hate, and the classroom should be a safe environment for sensitive topics to be discussed and where critical thinking is encouraged.
“That’s why we provide a range of resources to support teachers to navigate these challenging issues, and why our curriculum review will look at the skills children need to thrive in a fast-changing online world.”
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