Giving evidence, Mr Healy said after being released from prison on 4 July he had not made contact with Miss Swift or her partner Mr Kennedy until 17 July.
If you do miss a payment, contact the creditor as soon as possible and ask if they would be willing to remove the late payment from your account as a courtesy and gesture of good will.
However, as the months passed, said Miss Hughes, staff at the trust found it increasingly difficult to contact Whitehead and they eventually called in Dyfed-Powys Police earlier this year.