Responding to the verdict, Carmarthen-based area business manager for Dyfed-Powys CPS Jeff Thomas said the decision to withdraw the threats to kill charge against Davies was made by a senior crown prosecutor.

BBC: NEWS | UK | Wales | 'Inaction partly led to pub killing'

Most companies charge consumers a fee of about 15% of their total debt and start to withdraw chunks of that fee before work actually begins.

WSJ: Sorting Out Debt-Relief Promises